Compare super, pension and investment fees

The starting scenario assumes one investment option. Where applicable, it uses one Fiducian fund, no SMAs or external funds, and no cash allocation. For Fiducian accounts subject to the operational risk reserve charge, the estimate assumes two deductions at the disclosed maximum. Choose your investments and use the applicable cash and account fields on each product card.

Figures estimate one year at a constant balance and investment mix. Actual deductions use the provider’s balance dates, rounding and charging periods. A partial estimate shows known charges only; missing data is never treated as $0.

By default the subtotal includes selected account deductions, costs reflected in unit prices and separately disclosed reserve-funded costs. Clear the investment-returns checkbox to compare account deductions alone. Reserve funding is labelled separately; it is not an extra debit from your account. Turning a fee off changes the comparison, not the fee the product charges. A product with no separate account fee can still have substantial investment costs.

Select the correct super or pension account, investment option and unit class. The comparison uses reviewed option costs and leaves undisclosed rates unknown. Amounts follow each source’s disclosed fee and credit basis; fund-level tax benefits and fee rebates can differ. Any identified gross/net qualifications appear in the fee breakdown and source notes.

Advice, insurance, buy/sell spreads, brokerage, tax and one-off activity fees are excluded unless a reviewed schedule explicitly includes them. Low-balance refunds, family aggregation and negotiated discounts may need a separate assessment. Compare features and investment risk as well as costs.

Select your first option, then choose “Add investment” where the reviewed menu supports a mix. Select each option once and allocate 100%. Where the menu includes the product’s cash account, select it to include cash and allocate percentages of the whole account. Some products still use a separate cash or exempt holdings field. The product card shows which balance the percentages apply to.

The tool weights option costs and applies account fees, caps and rebates once on their documented basis. Initial and retained minimums, unit classes and permitted mixes can differ. Holding counts come from the selected investments where the menu classifies them. Unknown rates and unsupported mixed-fee conditions remain partial. A published total with an unconfirmed deduction method can be included once when investment-return costs are on; when off, that charge remains unresolved.